Lending case studies
The right approach starts with understanding the barrier.
See how income assessment, valuation and lender policy shape solutions for home buyers, investors and business owners.
Development finance
Four bank declines. Four completed developments.
Four banks declined the first project. Capacity, completed valuations and later a multi-title policy barrier needed distinct solutions.
Read the case studyEquity release
A $5m home, urgent funding and a two-year gap to bridge.
A 53-year-old homeowner had a mortgage-free property worth $5m but limited cash flow. A two-year equity release strategy addressed the immediate funding need, with a reverse mortgage considered as the future exit.
Read the case studySelf-employed investment lending
An investment loan for a commission-only physiotherapist
Income was sufficient, but its structure did not fit standard bank assessment. A suitable lender’s policy supported her first investment purchase.
Read the case studyCommercial property finance
From a home garage to owning commercial premises
An importer and online retailer used a suitable alternative-documentation pathway to purchase commercial premises within budget and cash flow.
Read the case studyCommercial refinancing
A commercial refinance when standard bank policy did not fit
A retail shop owner refinanced his premises with lower pricing and a waived valuation fee despite a standard bank servicing-policy barrier.
Read the case studyEquity release and complex home lending
Buying a $5m home without selling overseas assets
Portfolio refinancing released $1m in equity, followed by $1.2m in additional non-bank lending to complete a $5m beach-view home purchase.
Read the case studyOwner-occupied commercial property finance
Helping an established business buy its own premises
After years of searching, a long-standing BYRONS client secured its own business premises with finance arranged through ANZ.
Read the case studyNext-home lending and long-term relationships
From a first home to a seven-bedroom Sydney family home
Eight years after helping his first-ever client buy a first home, John Kim helped the same client upgrade to a seven-bedroom Sydney home.
Read the case studyFirst home lending
First home purchase with a 5% deposit, HECS debt and casual income
A first home buyer has a $45,000 HECS balance and less than 12 months of casual hospitality income. They want to explore a low-deposit purchase through the government guarantee scheme.
Read the case studySelf-employed equity release
Self-employed refinance and equity release after a profit dip
A self-employed couple wants to refinance and release $120,000 for an investment purchase. The latest company profit is lower following equipment investment, and their existing bank cannot support the additional borrowing.
Read the case studyMedical professional home loans
A GP buying at 90% LVR with an LMI waiver
A GP wants to buy her first home with a 10% deposit. An initial standard loan quote includes approximately $40,000 in LMI, prompting a review of professional lending options.
Read the case studySeparation and refinancing
Keeping the family home through a separation buyout refinance
A separated parent of two has returned to permanent part-time work after an 18-month break. After three months in the role, she wants to refinance into her sole name and fund her former partner’s agreed share.
Read the case studyBridging finance
Bridging finance for retired downsizers buying before selling
A retired couple finds a smaller home before selling their existing property. Their purchase timetable is tight, and they need a way to manage the temporary overlap.
Read the case studyFamily guarantee lending
A family guarantee for first home buyers with limited savings
A young couple has reliable incomes but limited savings. Their parents are willing to offer additional property security rather than gift a cash deposit.
Read the case studyRural construction lending
Building a first home on a rural block with a 10% deposit
First home buyers have a 10% deposit and want to build on a rural block. Their initial lender does not accept the location and construction proposal.
Read the case studyComplex construction lending
Duplex construction with a short ABN history and family guarantee
A tradesman with 14 months of ABN history and a PAYG nurse partner wants to replace a house with a duplex: one dwelling to live in and one to rent out.
Read the case studySMSF commercial lending
An SMSF buying business premises from a related party
A business owner wants their SMSF to acquire premises from a related-party trust, with the operating business continuing as tenant. The fund needs borrowing to complete the purchase.
Read the case studyTrust and mixed-use property lending
Mixed-use property finance through a trust with alternative documentation
A family business wants its corporate-trustee structure to purchase a shop with an apartment above. The business is less than 12 months old, full annual financials are unavailable and the property is regional.
Read the case studyATO debt refinancing
An $85,000 tax debt. A business worth keeping on track.
An electrician’s tax debt was putting pressure on the business. A targeted refinance strategy brought the tax payout, income evidence and repayment plan into one coordinated solution.
Read the case studyCommercial lease-doc lending
A strong commercial lease. A loan structure that worked harder.
A company-owned pharmacy premises had a ten-year tenant lease, but the existing loan’s repayment schedule was squeezing cash flow. Lease-doc assessment offered a different way to present the deal.
Read the case studyTrust and company investment loans
A layered trust structure. A clear investment lending proposal.
A corporate trustee, corporate beneficiary and related trading company made this investment purchase difficult to present. Mapping the structure brought the borrower, income and guarantees into focus.
Read the case studyRetirement and equity release
Home equity, essential repairs and help for the next generation.
A mortgage-free retiree wanted $150,000 for home repairs and her son’s deposit. The financing review had to put her own living position at the centre of the decision.
Read the case studyInvestment portfolio restructuring
Three properties. One lending roadblock. A plan for the fourth.
An investor’s interconnected loans were limiting flexibility. Reviewing each property, valuation and facility created a clearer plan to release $200,000 towards the next purchase.
Read the case studyBusiness acquisition finance
Buying a business without exhausting working capital
An illustrative business purchase showing why the funding plan needs to cover both settlement and the first months of trading.
Read the case studyTrade finance
Bridging an importer’s supplier-to-sale cash gap
An illustrative importer scenario: matching supplier funding to shipment, stock turnover and customer payment timing.
Read the case studyInvoice finance
Growing sales, unpaid invoices and wages due now
An illustrative business using its debtor ledger to explore working capital while customers pay on account.
Read the case studyLending outcomes depend on individual circumstances and lender assessment.